Call reports 2015
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 82,547,000 | 85,269,000 | 84,161,000 | 86,334,000 |
| Total loans | 74,177,000 | 77,087,000 | 77,061,000 | 78,928,000 |
| Allowance for loan losses | 395,000 | 428,000 | 434,000 | 450,000 |
| Securities available for sale | 0 | 2,062,000 | 1,741,000 | 2,299,000 |
| Securities held to maturity | 2,749,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,693,000 | 59,171,000 | 57,098,000 | 57,024,000 |
| Interest-bearing deposits | 51,334,000 | 53,211,000 | 50,988,000 | 50,962,000 |
| Noninterest-bearing deposits | 5,359,000 | 5,960,000 | 6,110,000 | 6,062,000 |
| Equity capital | 7,247,000 | 7,321,000 | 7,366,000 | 7,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,767,000 | 2,670,000 | 3,579,000 |
| Interest expense | 199,000 | 397,000 | 588,000 | 779,000 |
| Net interest income | 677,000 | 1,370,000 | 2,082,000 | 2,800,000 |
| Noninterest income | 153,000 | 266,000 | 437,000 | 537,000 |
| Noninterest expense | 759,000 | 1,512,000 | 2,262,000 | 3,054,000 |
| Provision for loan losses | 71,000 | 119,000 | 135,000 | 151,000 |
| Pretax income | 0 | 49,000 | 160,000 | 177,000 |
| Income tax | 0 | 13,000 | 49,000 | 53,000 |
| Net income | 0 | 36,000 | 111,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,247,000 | 7,283,000 | 7,358,000 | 7,362,000 |
| Total capital | 7,642,000 | 7,711,000 | 7,792,000 | 7,812,000 |
| Risk-weighted assets | 54,592,000 | 56,779,000 | 56,227,000 | 57,186,000 |
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